4.25%APY*
3-Month CD
Interest Rate
4.16%
Opening Minimum
$1,000
Open Online
4.00%APY*
6-Month CD
Interest Rate
3.92%
Opening Minimum
$1,000
Open Online
Climbing Rate CD3
CD Terms
36-Month
Product Description
Receive the benefit of a higher return with the ability to withdraw funds at any sixth month interval.
Min. Opening Balance
$1,000
Rates
| Interval | Interest Rate | APY* |
|---|---|---|
| 1st Six Months | 1.00% | 1.01% |
| 2nd Six Months | 1.24% | 1.25% |
| 3rd Six Months | 1.49% | 1.50% |
| 4th Six Months | 1.73% | 1.75% |
| 5th Six Months | 1.98% | 2.00% |
| 6th Six Months | 2.23% | 2.25% |
| Blended | 1.61% | 1.63% |
Guaranteed Rate CD4
CD Terms
60-Month
Product Description
Receive the benefit of a higher return with the ability to withdraw funds at any one year interval.
Min. Opening Balance
$1,000
Rates
View Rates
| Interval | Interest Rate | APY* |
|---|---|---|
| 1st Year | 1.24% | 1.25% |
| 2nd Year | 1.49% | 1.50% |
| 3rd Year | 1.73% | 1.75% |
| 4th Year | 1.98% | 2.00% |
| 5th Year | 2.23% | 2.25% |
| Blended | 1.73% | 1.75% |
| CD Terms | Product Description | Interest Rate | APY* | Min. Opening Balance | |
|---|---|---|---|---|---|
| 3-Month | Short-term CD allows you to earn a fixed rate of interest for three months. | 4.16% | 4.25% | $1,000 | Open Online |
| 6-Month | Short-term CD allows you to earn a fixed rate of interest for six months. | 3.92% | 4.00% | $1,000 | Open Online |
| 12-Month | Short-term CD allows you to earn a fixed rate of interest for twelve months. | 3.68% | 3.75% | $1,000 | Open Online |
| 18-Month | Long-term CD allows you to earn a fixed rate of interest for eighteen months. | 3.44% | 3.50% | $1,000 | Open Online |
| 24-Month | Long-term CD allows you to earn a fixed rate of interest for twenty-four months. | 2.96% | 3.00% | $1,000 | Open Online |
Flexible & Affordable
Choose from a variety of terms ranging from 3 to 60 months, with a minimum opening balance of just $1,000.
Predictable Return
Lock in your rate for the entire term of your CD, for predictable and stable growth.
Low Risk
CDs are a low-risk account option. They are ideal for those seeking stability and predictability on the rate of return on their savings.
Secure & Insured
Your deposits are FDIC-insured up to the maximum allowable limit, providing peace of mind and financial security.
Financial Guidance Tip
CDs can be a great way to save for specific future goals, such as a down payment on a house, a wedding, or further education, by ensuring the money grows steadily.
Learn More About CD's
A CD (certificate of deposit) is a type of deposit account that’s payable at the end of a specified amount of time (referred to as the term). They are popular with savers looking for more predictable funds, due to the interest they offer. They are the easiest way to save if you don’t need immediate access to your money. CDs typically pay fixed interest rates and can offer higher interest rates than other types of deposit accounts, depending on the market. These accounts usually provide security for longer-term savings and no monthly fees.
The interest you earn depends on the CD term and the current interest rates. Use our CD calculator to estimate your potential earnings.
The minimum opening balance for our CDs is $1,000, unless otherwise specified for special CD offers.
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* Annual Percentage Yield
2 The Birthday CD is available to clients age 50 years or better with any personal Centier checking account and must be the primary account holder on the CD. Birthday CD rates applicable to Personal Funds.
3 Funds may be withdrawn without penalty at any six month interval
4 Funds may be withdrawn without penalty at any one year interval.
Effective Date: